Credit Card without Hard Enqiry

[chinnodu]

Hi friends,

May I know if you have got any credit card without the banking hitting Hard enquiry into your CIBIL report?

If yes how you processed the application?

Application on card to card basis doesn't require Hard enquiry

The only card I have got without Hard enquiry recently is One Card as pre-appoved offer.

 

[Tejo]

Hi friends,

May I know if you have got any credit card without the banking hitting Hard enquiry into your CIBIL report?

If yes how you processed the application?

Application on card to card basis doesn't require Hard enquiry

The only card I have got without Hard enquiry recently is One Card as pre-appoved offer.

I think indusind, icici pre-approved cards too don't have hard* enquiry.

But the bank's will do soft enquiry on time basis.

 

[helloworld]

1 enquiry or for that matter careful and need based enquiries never hurt one's own CIBIL score. Apply only when needed.

For your question,

- pre-approved cards (which shows card limit before application itself), won't make any enquiry in CIBIL.

- Remaining mostly need enquiries.

note: there is no 100% guarantee in both cases.

 

[sidp]

There is no fixed procedure. Technofino had posted about how to get icici card without hard enquiry.
Like @helloworld said there is no guarantee with preapproved card also. In my case, axis had given many preapproved offer with limit showing beforehand, still there was hard enquiry.
All depends on your luck.